This is for those investors who are Aggressive and seeking higher returns. The portfolio will be having higher volatility also because of HIGH exposure in mid and small cap around 40%. While designing portfolio we kept a strong base of 40% large-cap. By adding 15% muticap the portfolio is beat aggressive. As per the market scenario and the valuation basis allocation may varies at the same time active management of rebalancing of portfolio approach will be there by default of IFPL. This portfolio will carry more volatility because of the high orientation of small & mid-cap, however, investors who are having time horizon of 5- 7 years will make great alpha from this portfolio.
IMPERIAL - BUILDER is for those who would like to invest less aggressive, stable and beat high alpha generation portfolio Normally small & mid-cap deliver better returns however large cap always front runner along with multi-cap offer active management. We have chosen funds that score high on consistency and the risk-reward matrix. offering stable and better large cap biased exposure to the portfolio which will offer better long term returns to the investors. investor those who can invest in this portfolio for 5 year plus time will make very descent returns in this.
Portfolio mix of both equity & Debt for investors.
Even investors are optimistic about the stock market but betting big on it is not their cup of tea. They don't want to leave it as well. For those kinds of investors, this is a perfect blend of the portfolio. Balanced Equity plus Debt. It offers a reasonable growth with not much risk.
The balanced approach gives the investors a blend of both the world. Logical indexation benefit of Debt for 3 years plus 5-year time horizon and Equity Multi cap approach of across segment gives Stability as well as good growth to the portfolio.
IMPERIAL - SECURE is designed for the investors who don't want to take any volatility or principle risk in there portfolio at any given point of time. some investors just can't afford to take the risk Imperial - Secure is standing the best option for them. perfect blend of BALANCED PLUS DEBT combination will offer great stability of portfolio and balanced offer slightly high alpha with the stability of portfolio.
Another caveat is needed here. Though debt funds are not as volatile as equity schemes, it is a misconception that they can’t lose money. Debt funds are sensitive to interest rate movements,For the same reason, we have included only short-term debt funds in the portfolio. These funds are less volatile and focus on earning from interest accruals than on capital gains.
Imperial - Secure is conservative portfolio with minimal exposure to equity.
THOSE WHO ARE RETIREES & LOOKING FOR REGULAR INCOME AFTER RETIREMENT.
This Portfolio is for those who is not carrying any kind of risk. This follow 3S principle of SAFE, SECURE and STABLE returns over the period of time along with indexation benefit and regular income for those who retired from the first phase of life and started the next golden phase of life.
IMPERIAL - INCOME IS quite better than fixed deposit and offer better yield than FD post tax. one of the big risk is reinvestment risk with fixed deposit which is very effective and efficiently address the Imperial - income.
The real benefit comes from the tax advantage that debt funds have over fixed deposits. The income from bank deposits is fully taxable. In debt funds, the gain is only a thin sliver of the redemption proceeds. A big part of the redemption is the principal amount which is not taxable. It keeps getting better as years go by.
Retirees should consider parking their retirement corpus in a good debt fund and then start systematic withdrawal plans to get a monthly income. The Income Generator portfolio does exactly this.